Finland is well served by online business accounts and neobanks as of 23 March 2026. Holvi is a Finnish neobank with invoicing and bookkeeping, while Wise Business and Revolut Business add strong multi currency features. These accounts open quickly and cost little, but cash handling is limited and lending is usually not offered. Traditional banks such as OP and Nordea still suit cash, lending, and a full relationship.
- Finnish neobank
- Holvi, with invoicing, a value added tax calculator, and bookkeeping
- Multi currency fintech
- Wise Business and Revolut Business
- Strengths
- Fast onboarding, low cost, multi currency, expense cards
- Limits
- Limited cash handling and usually no lending
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
What online accounts and neobanks offer in Finland
Online providers replace the branch with an app and a web dashboard. As of 23 March 2026, they tend to open quickly, cost little or nothing each month, and handle euro SEPA payments and cards well. Many add multi currency features, expense cards, and links to accounting tools. The euro is the base currency, so domestic payments run as SEPA transfers. The main trade offs are limited cash handling and the fact that lending and some specialist services are usually not offered.
The main providers
As of 23 March 2026, Holvi is a Finnish neobank with a unique IBAN, invoicing, a value added tax calculator, and bookkeeping built in, and it markets a free Starter plan with per transaction pricing. Wise Business holds many currencies and gives local receiving details in major ones at the mid market rate. Revolut Business adds expense cards, payment tools, and accounting integrations across a basic plan and paid tiers. Each sets its own eligibility and fees, so verify the current terms with the provider.
When a traditional bank still fits
Neobanks suit digital first businesses, but a traditional Finnish bank such as OP, Nordea, Danske Bank, or Aktia still matters for some needs. As of 23 March 2026, that includes regular cash deposits, lending and overdrafts, a paid in share capital deposit for a limited company, and a full in person relationship. Many businesses use a neobank for day to day banking and a traditional bank for credit. Confirm what each provider offers before you choose.
Compare business accounts available in Finland
These providers accept business customers in Finland. Fees and eligibility shown as of 23 March 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business banking in Finland
What is the best neobank for business in Finland?
Can neobanks in Finland handle cash?
Are online business accounts in Finland safe and regulated?
Do neobanks offer business lending in Finland?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 23 March 2026. Confirm current terms with the provider before applying.